Compare Bank & Credit Union Rates
Best savings rates in Boone, IA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Boone, IA
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Members1st Community Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.01%–2.27% by balance
Credit union · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: Minimum of $2,500 to open and earn dividends.
Offer: Minimum of $2,500 to earn dividends.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 1.01% $10,000 – $25,000Your amount 1.16% $25,000 – $50,000 1.56% $50,000 – $100,000 1.76% $100,000 – $200,000 2.02% $200,000 and up 2.27% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Vision Bank of Iowa.Money Market AccountMoney Market Account · $2,500 min · 0.50%–0.95% by balance
Bank · 2 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rates on balances $2,500.00 and above. $2,500.00 minimum daily balance required to waive $10.00 monthly service charge. $50.00 minimum opening deposit required.
Offer: $10.00 monthly service charge waived if $2,500.00 minimum daily balance is maintained.
0.50% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.65% $25,000 – $50,000 0.75% $50,000 – $100,000 0.80% $100,000 and up 0.95% Rate checked
More details - Members1st Community Credit UnionLIQUIDITY1stSavings · $1,000 min · 0.50%–0.70% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Checks are available with these accounts, but they are not intended for primary checking account use. Minimum of $1,000 to earn dividends.
Offer: Minimum of $1,000 to earn dividends.
0.50% interest rate
Rate by balance
Rate by balance for LIQUIDITY1st Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.50% $50,000 and up 0.70% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
Offer: $10.00/month service charge is waived if $100.00 minimum daily balance is maintained.
0.30% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - Boone Bank & Trust Co.HiFi Money MarketHiFi Money Market · $2,500 min · 0.25%–0.75% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: No monthly service fee assessed by maintaining a $2,500 minimum balance; if balance falls below $2,500 during a statement cycle, a $10 service fee will be assessed. Limited check writing: after three third party transactions, a $5 fee will be assessed per transaction.
Offer: Monthly service fee waived with $2,500 minimum balance.
$10 monthly fee · Effective Jan 14, 2026
Rate by balance
Rate by balance for HiFi Money Market Balance APY Over $0 0.25% $2,500 and upYour amount 0.30% $25,000 and up 0.45% $50,000 and up 0.65% $100,000 and up 0.75% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Children under 18 are exempt from all fees and the required opening deposit is reduced to $50.
Offer: Competitive interest earned on balances of $100 or more. No monthly service fee assessed by maintaining a $100 balance (a $5 service fee is assessed if balance falls below $100 during a statement cycle).
$5 monthly fee · Effective Jan 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: No minimum to earn dividends.
0.15% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary share savings account establishes MEMBERS1st membership with a minimum $5 deposit. Minimum of $100 to earn dividends.
0.10% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: No minimum to earn dividends.
0.10% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Boone, IA
19 accounts at 6 banks and credit unions · checked Oct 16
- Typical
- 0.25%
- Top 10% from
- 1.33%
- Banks, typical
- 0.28%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch